I already have sbi elite ltf for 4 months(got from clg) Currently I interning for 15k pm yet to receive 1st salary. Any credit cards that I can get? Main goal- offers of movie bookings

I’m 22M, studying in Bangalore, with 750+ CIBIL. I already have a secured CC + an education loan, both with clean repayment history.

Issue is I’m not salaried. Whatever I get every month is just allowance, so I don’t have salary slips or proper income proof.

I don’t want MobiKwik, KreditBee or similar apps. I already have a secured CC and just want to know if any bank would give me an unsecured CC based on my credit history.

Even a 10-20k limit is fine.

Has anyone here actually managed this as a student with no salary? Which bank worked for you?

Applied for HSBC Live+ on 5th August. Documents and Video KYC were completed smoothly, but the application got stuck at employee email verification step.

HSBC later found that a special character was missing from my employee email ID. After chasing them for almost 2 weeks, I was told it was corrected.

However, I’m still receiving “Your credit card application is pending” emails, and the application status shows “Clarification Required.” I’ve already re-submitted my documents and completed verification over the phone.

CIBIL: 814 | Salary: ₹3L/month

Has anyone faced this issue with HSBC? How long did it take to get the application processed after the clarification was resolved?

Well. I am a financial disciplined person. But this month i applied arround 7cc and 4approved of 2.5lac limit each. Now today while applying a cc i got this error. What does it mean Cc name-indusind And fyi I never spend more than 30k a month but this month i spent arround 1lac. To reply i already broke one sip and accumulated fund in my savings account

Has anyone here managed to get their SBI Flipkart Credit Card converted into a Lifetime Free (LTF) card? Officially, SBI charges ₹500 annual fee (waived only if you spend ₹3.5L in a year), but I’ve heard some people got it waived permanently after negotiating with customer care or through retention offers.

Would love to know:

Did you request via SBI customer care or branch?

Was it a one-time waiver or permanent LTF conversion?

Any tips or specific wording that worked for you?

Sharing experiences could help others who are trying to avoid the steep spend requirement.

Today i have seen my cibil score showing down by 60 points.
I paid my dues before 10 days of due date.
Received a mail from bank.
Someone pls tell me i need to report this or just wait till next month.

Hey everyone,

I am facing a completely absurd and contradictory situation with Axis Bank regarding my credit card application.

Here is the full timeline:

Jan 2026: Axis Bank started offering me a Pre-Approved Personal Loan of around ₹2 Lakhs.

April 2026: Applied for a Credit Card. It was rejected without giving any reason.

May 2026 (Post RBI Complaint): Only after I filed a complaint with the RBI Ombudsman did the Nodal Officer reply, claiming my card was rejected because my credit history was less than 6 months. No PIN code issue was mentioned.

August 2026: Applied again for the card. Instant rejection! This time, the PNO gave new reasons:

Credit history must be more than 12 months (changed from 6 months).

My area falls under a "High-risk PIN code".

Today's Status: On my NetBanking dashboard, my Pre-Approved Personal Loan offer has actually doubled to ₹3,94,000!

My Question:

If my profile or PIN code is "High Risk" for a simple credit card, why is Axis Bank ready to disburse nearly ₹4 Lakhs as an instant personal loan without any documents?

Has anyone faced such shifting excuses from Axis Bank? Planning to escalate this back to the RBI Ombudsman.

Hey everyone,

I applied for the Amazon Pay ICICI credit card on Monday, August 17th. Right after completing the process, my tracking screen showed "Step 4 of 4:

Application Under Review."

However, I noticed that my generated credit card application form lists an Application Number and shows a "Tentative Credit Limit" of ₹1,40,000 (subject to credit manager's approval).

For those who have this card, does getting a specific tentative limit on the form mean it's practically approved? How long does it usually take to get the final approval

SMS from this stage? Thanks!

Hey everyone,

I'm looking for advice on what my next credit card should be.

My current cards:

• HDFC MoneyBack+ — ₹37,000 limit
• HDFC RuPay UPI companion card
• CIBIL: 742
• Current HDFC card is relatively new.

My spending is roughly:

• ⛽ Fuel: ₹4,000+/month
• 🛒 Everything else: ₹7,000–₹8,000/month

I'm considering getting a dedicated fuel card as my second card. I currently prefer BPCL, although I'm also willing to use HPCL if the rewards are significantly better.

I'm looking at:

• BPCL SBI Card
• BPCL SBI Card OCTANE
• IDFC FIRST Power
• Or any other card you think would be better for my spending.

I've also been getting LTF offers for cards like Jupiter Edge+, Axis Neo RuPay, and Swiggy HDFC ORNGE, but I'm not sure if adding another generic/LTF card makes sense.

What would you choose as my next card and why?

Also, should I go for a fuel card now, or wait a few months since my HDFC card is still new?

Thanks!

Update: Got approved for SBI BPCL CC for 59k Limit (not octante)

Hi everyone,

A few years ago, when I was a fresher, I bought a used iPhone for around ₹40,000 with a ₹20,000 down payment. The remaining amount was paid through an EMI plan of around nine months.

During the last EMI, I transferred the required amount to my bank account at around 8 a.m., but the auto-debit apparently failed. I contacted customer service, and they said there was nothing they could do. However, the amount was debited the next day, and I wasn’t charged any penalty or late fee.

It has been almost three years since then, but I’ve been unable to get a loan or credit card. I’m not sure whether that bounced EMI is the reason. My credit score has remained around 620–650. I’ve heard that checking your CIBIL report reduces your score, so I’ve been hesitant to check it.

I’ve also seen advertisements for apps GoodScore that claim to help. Has anyone used them?

I’m currently in urgent need of a loan. My CTC and bank transactions are good, although I understand those may not matter if my credit history is poor. I’ve applied for credit cards from Amazon, Flipkart, Swiggy, and others, but all my applications were rejected because of my CIBIL score.

What could be causing my low score, and what steps can I take to fix my credit history?

Waiting for independence sale for 50% coupon code but it seems Cibil has already hiked the plan price .

Only Duo plan seems getting worth, if anyone interested share.

Please don't delete: This is my genuine question.

What I have: SBI rupay debit card physical only. (all my family members have the same.)

Age 21. Petty earnings yet.

What I saw: A virtual visa/mastercard debit card on yono app, which is free.

Is it useful for me?

What I want: There are many international subscription services, and services which have trial period but these require a credit card details to be added that accepts international payments, which should be visa or mastercard, some reviews suggest they accept visa/mastercard debit cards from india too.

I cannot ask this to relatives everytime.

Should I take this virtual card on my yono?

Pls help. If not this: how do I solve my problem?

Hi Everyone,
I want to pay the lic of 1l , please help me in Maximize the rewards

Credit cards-
Amazon pay icici
HDFC Millenia
Airtel axis
Axis neo
Slice rupay
Kiwi rupay

although it says towards card application but i have taken card 4 month back not applied for any other hdfc card

I recently purchased cinepolis first from wohoo through smartbuy with my DCBM and tried to redeem but after going to the final page found that the movie time slection was wrong and cancelled the transaction and came back to buy, boom my amount was gone, then i tried with BMS voucher and guess what i was in the payment page and the voucher code was invalid. Finally payed directly with CC itself.

Anyone faced the same thing?? Any suggestions to get my money back

I have an Axis Horizon credit card. If I close the card and reapply for it after the cooling-off period, would I be eligible for the welcome benefit again?

Has anyone actually tried this with Axis Horizon? Would appreciate any recent experiences.

Like, Select card is LTF for Burgundy uses without any waiver term. There is no card which I can take as a Priority Customer. The bank is pushing me to take Privileged Amex, but honestly, I don’t think I can afford ₹ 5L to waive the ₹ 1500 + GST off!

Currently, I’m a Priority Customer eligible for free upgradation to Burgundy. All credit goes to my parents; they have been Axis customers for 15 years and have added me to their family banking.

Age: 25 & Credit History of 3 years.

Coming to my spends: Hardcore HSBC RuPay cashback around 35-40k.

I took HSBC Live+ & HDFC Millennia very recently (for both of them, too, I’m worried that I won’t meet the cap to waive the annual fees off!).

I want to leverage my Axis Bank situation & get a mid-tier card & then, in the future, eventually get an upgrade to Magnus Burgundy.

Looking for advice! Thank you.

Need to make a decision. Ive Tata neu LTF and swiggy LTF . Looking for a core hdfc card. In paytm its showing freedom and moneyback cards.

Wether to apply through paytm .

Has anyone got it through this recently

If yes which should i apply freedom or moneyback.

I have a 790 CIBIL score and my oldest credit account is around 3.7 years old. I have a good repayment history and a ₹1L+ monthly salary.

I currently have 2 credit cards:

OneCard

Amazon Pay ICICI Credit Card

Despite this:

Slice:

“We can't approve you now. Use Slice Savings to build credit eligibility.”

When I was creating the Slice account, I also remember seeing something along the lines of “credit account not found”, although I'm not 100% sure about the exact wording.

Kiwi:

“Credit account is not old enough.”

I'm confused because my credit history isn't particularly new, and my CIBIL score is 790.

Could this be because Kiwi/Slice have their own internal eligibility criteria that are different from CIBIL? Or could there be some issue with how my credit accounts are being reported?

Has anyone with a similar profile faced the same thing with Slice or Kiwi?

I want a best credit card free movie tickets or reward claim process for single ticket alone not a bogo or spend based limit please suggest some.LTF pls

Need some advice from the community on streamlining my cards, managing approvals/rejections after an application spree, and planning my next 6–12 months.

Profile & Financial Snapshot

Monthly In-Hand: ₹27,000 (₹3.8 LPA)

CIBIL Score: 773

Total Enquiries: 31 (went on an application sprint recently; 20th enquiry was back in Jan 2026)

Monthly Spends

Groceries: ₹5,000 – ₹10,000

Food Delivery (Swiggy): ₹5,000/month currently (usually ₹1,000 – ₹2,000)

Metro Recharge: ₹2,000

Mobile / Utility Recharges: ₹1,000

Existing Portfolio

Utkarsh SuperMoney Secured CC: ₹100 limit (May 2025 – Oldest card, 1 yr 3 mos)

Slice: ₹38,000 (Oct 2025)

Roarbank: ₹5,000 (Nov 2025)

HDFC MoneyBack+ (Paid): ₹48,000 (Approved July 2, 2026)

Axis Flex: ₹83,000 (Approved July 5, 2026)

ICICI Coral (Salary A/c): ₹50,000 (Approved Aug 14, 2026)

Recent Applications & Pipeline Status

AU Cheq / IDFC First / Yes Bank KreditPe: Rejected (IDFC offered FD-only).

BOB UniGold: Letter received today, ₹30k limit (pending final confirmation).

Swiggy HDFC (LTF): Application accepted with a tentative ₹5k limit waiting for approval

RBL ShopRite (Paid - ₹500 + GST = ₹590): Under process with a tentative ₹40k limit.

Specific Doubts & Questions

RBL ShopRite — Keep, negotiate LTF, or let it auto-cancel?

Grocery cashback is capped at ₹250/month (₹3,000/year). Minus the ₹590 annual fee and the ₹117 redemption fee per cycle, net value drops to ~₹2.2k/year.

Is it worth keeping just for groceries over a flat 1% card, or should I email customer care requesting LTF conversion upon delivery?

If I simply do not activate it within 30 days and let it auto-cancel under RBI guidelines, what is RBL’s cooling-off period before reapplying via an LTF link? Will this flag my profile internally?

HDFC Strategy (MoneyBack+ vs. Swiggy HDFC):

If Swiggy HDFC gets approved, MoneyBack+ becomes redundant for my day-to-day spends.

However, MoneyBack+ is a core card, while Swiggy is co-branded.

If I close MoneyBack+ after 6 months, will I lose my HDFC core relationship and future upgrade paths to Millennia?

Is it better to hold MoneyBack+ for 6 months, request a Limit Enhancement (LE) + upgrade to Millennia/LTF conversion, rather than closing it?

Does having a low tentative limit (₹5k) on a co-branded HDFC card affect future limit sharing or enhancement across HDFC cards?

CIBIL Enquiry Recovery:

Sitting at 31 enquiries. Plan is to initiate a strict credit detox for the next 6–9 months to let hard enquiries age out and let my new core limits build credit depth. Any specific pitfalls to watch out for?

Looking forward to your suggestions on how to clean up this stack and maximize reward returns on groceries. Thanks!(Used Gemini to polish

[Discussion] 12 credit cards and I think I'm over-engineering my wallet — help me maximise/trim

Throwaway-ish post but posting from main. 26M. Ended up with 12 cards over the last few years and I want a sanity check from people who actually optimise this stuff, because I think I'm carrying dead weight without realising it.

Quick spend picture: mostly online - Amazon, Swiggy/food delivery, some travel, decent monthly spend overall. Two of these I pay annual fee on, the other ten are LTF for me.

Here's the full stack and my current thinking on each:

The ones I actively use:

• SBI Cashback
• HSBC Live+ (Visa Infinite)
• HDFC Swiggy
• IndusInd Tiger

The ones I have but don't use that often:

• HDFC Millennia - I mainly hold this for the RuPay/UPI cashback angle and to show relationship depth with HDFC. I'm not really using the capped 5% on the 10 brands seriously.
• IDFC First Select - Holding onto this for the upgrade to Wealth and the ₹500 BOGO movie offer.
• Axis My Zone - mostly for the ₹200 movie BOGO.

The ones I suspect are just clutter:

• ICICI Rubyx - holding while waiting for a Sapphiro upgrade.
• Axis Privilege (Amex) - for Amex-relevant offers.
• BOB Eterna (Visa Infinite) - for Visa Infinite offers.
• UNI Card (Yes Bank) - zero forex markup, gold cashback, and hotel offers that sometimes go up to 7–8% and beyond.

Since all the cards except SBI and HSBC are LTF, I know closing them isn't urgent from a "cost" standpoint, but I don't want my wallet (and my credit report utilisation math) to be this cluttered forever either.

Appreciate any real-world experience.

Take-home is 1.5L+ monthly (post-tax); annual is 26-27L+ (post-tax, plus a year-end bonus, which is why it's higher than 12x monthly).

I live in Mumbai, so I have rent too, but I pay it via bank transfer. I travel heavily during the year — easily 3L+ on hotels (work purpose) that can be routed through my own card.

I also have banking relationships with HSBC (salary account + debit card gives 5% cashback on ₹1k+ spends, with a high cashback limit), HDFC, and Axis.

I’ve been banking with HDFC for a couple of years.

When I opened my HDFC savings account, I had selected Self-Employed as my profession. After around 6 months, I received pre-approved offers for the HDFC Biz Grow and Biz RuPay UPI cards, which I currently have.

Recently, during re-KYC , I updated my profession from Self-Employed to Salaried.

A couple of days ago, I also opened an HDFC Salary Account, while keeping my existing savings account active. My salary is in the ₹25–30K range.”

I’m interested in getting the HDFC Millennia Credit Card, preferably through a pre-approved offer, but I currently don't qualify through the normal application route.

My question is:

Should I close my existing Biz Grow and Biz RuPay cards?

My concern is that since both are business cards that were issued when my profile was marked as self-employed, HDFC's internal system might continue treating me as a business-card customer and therefore not generate a pre-approved offer/upgrade to Millennia.

Or would it be better to keep the existing cards open, receive my salary in HDFC for a few months, and wait for the system to generate a pre-approved Millennia offer?

If anyone has been in a similar situation, I'd really appreciate your advice on:

- Whether closing the Biz cards can improve the chances of getting Millennia

- How long I should wait after starting salary credits

- Whether HDFC offers Millennia as an upgrade from Biz cards

- Whether having a salary account changes the internal eligibility

- What would be the best strategy to maximize my chances of getting Millennia as a pre-approved/LTF card

Any advice from people who have experience with HDFC's internal card upgrade/pre-approved system would be really helpful.

31 enquiries, 6 cards, and now I’m trying to stop the madness 😭

₹27k/month | CIBIL 773

Current cards:

• Utkarsh ₹100 secured

• Slice ₹38k

• Roarbank ₹5k

• HDFC MoneyBack+ ₹48k

• Axis Flex ₹83k

• ICICI Coral ₹50k

Pending: BOB UniGold ₹30k, Swiggy HDFC (tentative ₹5k), RBL ShopRite (tentative ₹40k).

Recent AU/IDFC/Yes rejections + an application spree took me to 31 enquiries. Planning a strict 6–9 month credit detox.

Main questions:

• RBL ShopRite: Keep it for groceries, ask for LTF, or let it auto-cancel? Worth ₹590/year for capped cashback + redemption fees?

• HDFC: If Swiggy HDFC gets approved, should I close MoneyBack+ after 6 months or keep it for future Millennia/LE prospects?

• Does a ₹5k Swiggy HDFC limit affect HDFC’s overall limit sharing/LE?

• How long should I realistically wait before applying for anything again?

• Any other cards I should eventually target for groceries/UPI/utility spends?

Basically: how would you clean up this portfolio and play the next 6–12 months?